ANALISIS LAPORAN KEUANGAN

(Dalam Jutaan Rupiah)

BRI 2020 BRI 2019 MANDIRI 2020
DATA LAPORAN KEUANGAN (Laporan Keuangan Audited Tahun 2020 dan 2019)
1
Total Assets
1,421,785,007 1,343,077,860 1,209,045,441
2
Cash
155,142,767 222,986,075 152,535,974
3
Current Assets
1,362,444,618 1,294,640,617 1,139,189,770
4
Jumlah Kredit Yang Diberikan
816,545,491 822,020,360 705,111,970
5
Total Liabilities (Total Debt)
1,227,425,905 1,139,412,398 1,033,339,231
6
Current Liabilities
1,172,539,856 1,092,760,799 979,129,577
7
Dana pihak Ketiga (Total Deposit)
1,052,663,870 969,750,006 908,956,306
8
Total Equities
194,359,102 203,665,462 175,706,210
9
Total Revenue
138,388,882 143,190,356 93,003,455
10
Operating Revenue
109,958,749 115,638,720 46,810,052
11
Operating Expense
34,811,751 37,078,417 30,693,920
12
Net Income
21,151,943 38,705,387 17,445,264
13
EBT
26,161,111 42,949,892 18,995,464
14
EAT
18,353,303 34,028,685 14,155,319
15
Earning Per Share (Dalam Rupiah Penuh)
149.00 278.00 303.49
16
Dividenn (Dalam Rupiah penuh)
131.14 167.20 353.34
17
Book Value per Share
1,575.73 1,651.17 3,765.13
18
Market Price Per Share
3,720.00 4,370.00 6,325.00
19 Informasi saham 1 lembar seri A 1 lembar seri A 1 lembar seri A
Dwiwarna Dwiwarna Dwiwarna
123.345.810.000 123.345.810.000 46.666.666.665
lembar saham lembar saham lembar
biasa biasa

FINANCIAL STATEMENTS ALNALYSIS

A SHORT TERM SOLVENCY

Current Ratio (Net Working Capital) =
1 Total Current Assets / Total Current 116.20% 118.47% 116.35%
Liabilities
 Quick Ratio = Quick Assets / Total Current
2 Liabilitie 19.00% 27.13% 21.63%

Cash Ratio = Cash / Total Current liabilities

3 13.23% 20.41% 15.58%

LONG TERM SOLVENCY/FINANCIAL

B
LEVERAGE
Total Debt Ratio = Total Debt / Total Assets
1 74.04% 72.20% 75.18%

Debt Equity Ratio = Total Debt / Total

2 Equity 541.61% 476.15% 517.32%

Equity Multiplier = Total Assets / Total

3 Equity 731.52% 659.45% 688.11%

Capital Adequacy Ratio (CAR)/Rasio

4 Kecukupan Modal (Dari Laporan 24.25% 22.55% 23,52%
Keuangan Audited)

Debt to Equity Ratio (DER) = Jumlah

5 Utang / Jumlah Modal Sendiri 631.52% 559.45% 588.11%

C PROFITABILITY
 Net Profit Margin = Net Income / Total
1 Operating Revenue 19.24% 33.47% 37.27%

Profitability Ratios (ROA) = Laba Bersih

2 Sebelum Pajak / Total Asset: 1.84% 3.20% 1.57%

Profitability Ratio (ROE) = Laba Bersih /

3 Modal Sendiri 10.88% 19.00% 9.93%

4 Dividen Payout Ratio (DPR) = Dividen /EPS 88.01% 60.14% 116.43%

Beban Oprasi/Pendapatan Operasi (BOPO)
5 = Beban Operasional / Pendapatan 31.66% 32.06% 65.57%
Operasional

D AKTIVITY
Total Assets Turnover = Total Operating
1 Revenues / Avarage Total Assets 7.73% 8.61% 3.87%

Receivable’s turnover = Total Operating

Revenues / Avarage Receivables(kredit yg
2 13.47% 14.07% 6.64%
diberikan)

Loan To Deposit Ratio (LDR) = Kredit /

3 Dana Pihak Ketiga 77.57% 84.77% 77.57%
 Loan To Assets Ratio (LAR) = Jumlah
4 Kredit Yang Diberikan / Jumlah Assets 57.43% 61.20% 58.32%

Non Performing Loan (NPL) / Pinjaman

5 Yang Bermasalah 2.99% 2.62% 3.10%

E MARKET VALUE
Price – Earnings Ratio = Market price per
1 share / current annual earnings per share 2496.64% 1571.94% 2084.09%

Market – to – Book ratio = Market price per

2 share / Book value per share 236.08% 264.66% 167.99%

Earning-Price Ratio = Current Annual

Earning Per Sahre / Market Price Per Sahre
3 4.01% 6.36% 4.80%
(Dalam Jutaan Rupiah)
MANDIRI 2019

1,128,683,875

105,187,693

1,067,369,403

764,538,754

934,222,530

882,975,659

815,105,541

194,461,345

98,087,339

50,321,559

30,691,654
 32,606,979

32,430,770

25,449,980

545.36

241.22

4,167.03

7,675.00
1 lembar seri A
Dwiwarna
46.666.666.665
lembar

120.88%
13.76%

11.91%

72.22%

419.16%

580.42%

21.28% Minimum 8%
Peraturan OJK Nomor
11/POJK.03/2016

480.42%
64.80%

2.87%

16.77%

44.23%
Tingkat Efisiensi
Perbankan
60.99%

4.46%

6.58%

93.80%
67.74%

Batas BI Maks 5%
2.39% Peraturan BI No
15/2/PBI/2013

1407.33%

184.18%

7.11%
 ANALISIS LAPORAN KEUANGAN

DATA LAPORAN KEUANGAN (Laporan Keuangan Audited Tahun 2020 dan 2019)

(Dalam Jutaan Rupiah)

BRI 2020
1 Total Assets 1,421,785,007
2 Cash 155,142,767
3 Current Assets 1,362,444,618
4 Jumlah Kredit Yang Diberikan 816,545,491
5 Total Liabilities (Total Debt) 1,227,425,905
6 Current Liabilities 1,172,539,856
7 Dana pihak Ketiga (Total Deposit) 1,052,663,870
8 Total Equities 194,359,102
9 Total Revenue 138,388,882
10 Operating Revenue 109,958,749
11 Operating Expense 34,811,751
12 Net Income 21,151,943
13 EBT 26,161,111
14 EAT 18,353,303
15 Earning Per Share (Dalam Rupiah Penuh) 149.00
16 Dividenn (Dalam Rupiah penuh) 131.14
17 Book Value per Share 1,575.73
18 Market Price Per Share 3,720.00
19 Informasi saham 1 lembar seri A
Dwiwarna
123.345.810.000
lembar saham
biasa

FINANCIAL STATEMENTS ALNALYSIS

A SHORT TERM SOLVENCY
Current Ratio (Net Working Capital) =
1 Total Current Assets / Total Current 116.20%
Liabilities
 Quick Ratio = Quick Assets / Total Current
2 Liabilitie 19.00%
Cash Ratio = Cash / Total Current liabilities
3 13.23%

LONG TERM SOLVENCY/FINANCIAL

B
LEVERAGE

Total Debt Ratio = Total Debt / Total Assets

1 74.04%
Debt Equity Ratio = Total Debt / Total
2 Equity 541.61%

Equity Multiplier = Total Assets / Total

3 Equity 731.52%

Capital Adequacy Ratio (CAR)/Rasio

Kecukupan Modal (Dari Laporan
Keuangan Audited)
4 Minimum 8% 24.25%
Peraturan OJK Nomor 11/POJK.03/2016

Debt to Equity Ratio (DER) = Jumlah

5 Utang / Jumlah Modal Sendiri 631.52%

C PROFITABILITY
Net Profit Margin = Net Income / Total
1 Operating Revenue 19.24%

Profitability Ratios (ROA) = Laba Bersih

2 Sebelum Pajak / Total Asset: 1.84%

Profitability Ratio (ROE) = Laba Bersih /

3 Modal Sendiri 10.88%

4 Dividen Payout Ratio (DPR) = Dividen /EPS 88.01%

 Beban Oprasi/Pendapatan Operasi (BOPO)
5 = Beban Operasional / Pendapatan 31.66%
Operasional

D AKTIVITY
Total Assets Turnover = Total Operating
1 Revenues / Avarage Total Assets 7.73%

Receivable’s turnover = Total Operating

Revenues / Avarage Receivables(kredit yg
2 13.47%
diberikan)

Loan To Deposit Ratio (LDR) = Kredit /

3 Dana Pihak Ketiga 77.57%

Loan To Assets Ratio (LAR) = Jumlah

4 Kredit Yang Diberikan / Jumlah Assets 57.43%

Non Performing Loan (NPL) / Pinjaman

Yang Bermasalah
5 (Batas BI Maks 5% 2.99%
Peraturan BI No 15/2/PBI/2013)

E MARKET VALUE
Price – Earnings Ratio = Market price per
1 share / current annual earnings per share 2496.64%

Market – to – Book ratio = Market price per

2 share / Book value per share 236.08%

Earning-Price Ratio = Current Annual

Earning Per Sahre / Market Price Per Sahre
3 4.01%
GAN

ted Tahun 2020 dan 2019)

(Dalam Jutaan Rupiah)

BRI 2019
1,343,077,860
222,986,075
1,294,640,617
822,020,360
1,139,412,398
1,092,760,799
969,750,006
203,665,462
143,190,356
115,638,720
37,078,417
38,705,387
42,949,892
34,028,685
278.00
167.20
1,651.17
4,370.00
1 lembar seri A
Dwiwarna
123.345.810.000
lembar saham
biasa

118.47%
27.13%

20.41%

72.20%

476.15%

659.45%

22.55%

559.45%

33.47%

3.20%

19.00%

60.14%
 Tingkat Efisiensi
Perbankan
32.06%

8.61%

14.07%

84.77%

61.20%

2.62%

1571.94%

264.66%

6.36%
 ANALISIS LAPORAN KEUANGAN

DATA LAPORAN KEUANGAN (Laporan

Keuangan Audited Tahun 2020 dan 2019)
(Dalam Jutaan Rupiah)
MANDIRI 2020

1 Total Assets 1,209,045,441

2 Cash 152,535,974
3 Current Assets 1,139,189,770
4 Jumlah Kredit Yang Diberikan 705,111,970
5 Total Liabilities (Total Debt) 1,033,339,231
6 Current Liabilities 979,129,577
7 Dana pihak Ketiga (Total Deposit) 908,956,306
8 Total Equities 175,706,210
9 Total Revenue 93,003,455
10 Operating Revenue 46,810,052
11 Operating Expense 30,693,920
12 Net Income 17,445,264
13 EBT 18,995,464
14 EAT 14,155,319
15 Earning Per Share (Dalam Rupiah Penuh) 303.49
16 Dividenn (Dalam Rupiah penuh) 353.34
17 Book Value per Share 3,765.13
18 Market Price Per Share 6,325.00
19 Informasi saham 1 lembar seri A
Dwiwarna
46.666.666.665
lembar

FINANCIAL STATEMENTS ALNALYSIS

A SHORT TERM SOLVENCY
Current Ratio (Net Working Capital) =
1 Total Current Assets / Total Current 116.35%
Liabilities
 Quick Ratio = Quick Assets / Total Current
2 Liabilitie 21.63%
Cash Ratio = Cash / Total Current liabilities
3 15.58%

LONG TERM SOLVENCY/FINANCIAL

B
LEVERAGE

Total Debt Ratio = Total Debt / Total Assets

1 75.18%
Debt Equity Ratio = Total Debt / Total
2 Equity 517.32%

Equity Multiplier = Total Assets / Total

3 Equity 688.11%

Capital Adequacy Ratio (CAR)/Rasio

Kecukupan Modal (Dari Laporan
Keuangan Audited)
4 Minimum 8% 23,52%
Peraturan OJK Nomor 11/POJK.03/2016

Debt to Equity Ratio (DER) = Jumlah

5 Utang / Jumlah Modal Sendiri 588.11%

C PROFITABILITY
Net Profit Margin = Net Income / Total
1 Operating Revenue 37.27%

Profitability Ratios (ROA) = Laba Bersih

2 Sebelum Pajak / Total Asset: 1.57%

Profitability Ratio (ROE) = Laba Bersih /

3 Modal Sendiri 9.93%

4 Dividen Payout Ratio (DPR) = Dividen /EPS 116.43%

 Beban Oprasi/Pendapatan Operasi (BOPO)
5 = Beban Operasional / Pendapatan 65.57%
Operasional

D AKTIVITY
Total Assets Turnover = Total Operating
1 Revenues / Avarage Total Assets 3.87%

Receivable’s turnover = Total Operating

Revenues / Avarage Receivables(kredit yg
2 6.64%
diberikan)

Loan To Deposit Ratio (LDR) = Kredit /

3 Dana Pihak Ketiga 77.57%

Loan To Assets Ratio (LAR) = Jumlah

4 Kredit Yang Diberikan / Jumlah Assets 58.32%

Non Performing Loan (NPL) / Pinjaman

Yang Bermasalah
5 (Batas BI Maks 5% 3.10%
Peraturan BI No 15/2/PBI/2013)

E MARKET VALUE
Price – Earnings Ratio = Market price per
1 share / current annual earnings per share 2084.09%

Market – to – Book ratio = Market price per

2 share / Book value per share 167.99%

Earning-Price Ratio = Current Annual

Earning Per Sahre / Market Price Per Sahre
3 4.80%
GAN

(Dalam Jutaan Rupiah)

MANDIRI 2019

1,128,683,875
105,187,693
1,067,369,403
764,538,754
934,222,530
882,975,659
815,105,541
194,461,345
98,087,339
50,321,559
30,691,654
32,606,979
32,430,770
25,449,980
545.36
241.22
4,167.03
7,675.00
1 lembar seri A
Dwiwarna
46.666.666.665
lembar

120.88%
13.76%

11.91%

72.22%

419.16%

580.42%

21.28%

480.42%

64.80%

2.87%

16.77%

44.23%
 Tingkat Efisiensi
Perbankan
60.99%

4.46%

6.58%

93.80%

67.74%

2.39%

1407.33%

184.18%

7.11%
 ANALISIS LAPORAN KEUANGAN

DATA LAPORAN KEUANGAN (Laporan Keuangan Audited

Tahun 2020 Bank BRI dan Mandiri)
(Dalam Jutaan Rupiah)
BRI 2020

1 Total Assets 1,421,785,007

2 Cash 155,142,767
3 Current Assets 1,362,444,618
4 Jumlah Kredit Yang Diberikan 816,545,491
5 Total Liabilities (Total Debt) 1,227,425,905
6 Current Liabilities 1,172,539,856
7 Dana pihak Ketiga (Total Deposit) 1,052,663,870
8 Total Equities 194,359,102
9 Total Revenue 138,388,882
10 Operating Revenue 109,958,749
11 Operating Expense 34,811,751
12 Net Income 21,151,943
13 EBT 26,161,111
14 EAT 18,353,303
15 Earning Per Share (Dalam Rupiah Penuh) 149.00
16 Dividenn (Dalam Rupiah penuh) 131.14
17 Book Value per Share 1,575.73
18 Market Price Per Share 3,720.00
19 Informasi saham 1 lembar seri A
Dwiwarna
123.345.810.000
lembar saham
biasa

FINANCIAL STATEMENTS ALNALYSIS

A SHORT TERM SOLVENCY
Current Ratio (Net Working Capital) =
1 Total Current Assets / Total Current 116.20%
Liabilities
 Quick Ratio = Quick Assets / Total Current
2 Liabilitie 19.00%
Cash Ratio = Cash / Total Current liabilities
3 13.23%

LONG TERM SOLVENCY/FINANCIAL

B
LEVERAGE

Total Debt Ratio = Total Debt / Total Assets

1 74.04%
Debt Equity Ratio = Total Debt / Total
2 Equity 541.61%

Equity Multiplier = Total Assets / Total

3 Equity 731.52%

Capital Adequacy Ratio (CAR)/Rasio

Kecukupan Modal (Dari Laporan
Keuangan Audited)
4 Minimum 8% 24.25%
Peraturan OJK Nomor 11/POJK.03/2016

Debt to Equity Ratio (DER) = Jumlah

5 Utang / Jumlah Modal Sendiri 631.52%

C PROFITABILITY
Net Profit Margin = Net Income / Total
1 Operating Revenue 19.24%

Profitability Ratios (ROA) = Laba Bersih

2 Sebelum Pajak / Total Asset: 1.84%

Profitability Ratio (ROE) = Laba Bersih /

3 Modal Sendiri 10.88%

4 Dividen Payout Ratio (DPR) = Dividen /EPS 88.01%

 Beban Oprasi/Pendapatan Operasi (BOPO)
5 = Beban Operasional / Pendapatan 31.66%
Operasional

D AKTIVITY
Total Assets Turnover = Total Operating
1 Revenues / Avarage Total Assets 7.73%

Receivable’s turnover = Total Operating

Revenues / Avarage Receivables(kredit yg
2 13.47%
diberikan)

Loan To Deposit Ratio (LDR) = Kredit /

3 Dana Pihak Ketiga 77.57%

Loan To Assets Ratio (LAR) = Jumlah

4 Kredit Yang Diberikan / Jumlah Assets 57.43%

Non Performing Loan (NPL) / Pinjaman

Yang Bermasalah (Batas BI Maks 5%
5 Peraturan BI No 15/2/PBI/2013) 2.99%

E MARKET VALUE
Price – Earnings Ratio = Market price per
1 share / current annual earnings per share 2496.64%

Market – to – Book ratio = Market price per

2 share / Book value per share 236.08%

Earning-Price Ratio = Current Annual

Earning Per Sahre / Market Price Per Sahre
3 4.01%
GAN

(Dalam Jutaan Rupiah)

MANDIRI 2020

1,209,045,441
152,535,974
1,139,189,770
705,111,970
1,033,339,231
979,129,577
908,956,306
175,706,210
93,003,455
46,810,052
30,693,920
17,445,264
18,995,464
14,155,319
303.49
353.34
3,765.13
6,325.00
1 lembar seri A
Dwiwarna
46.666.666.665
lembar

116.35%
21.63%

15.58%

75.18%

517.32%

688.11%

23,52%

588.11%

37.27%

1.57%

9.93%

116.43%
 Tingkat Efisiensi
Perbankan
65.57%

3.87%

6.64%

77.57%

58.32%

3.10%

2084.09%

167.99%

4.80%